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                        <h1 class="main_tit">Principales Indicadores</h1>
                                        
                        <table id="gerencia" width="100%" height="100%" border="0" cellpadding="0" cellspacing="0" style="height: 220px; overflow: auto; margin:0 0 20px 0;">
						<thead>
							<tr>
								<th class="tit">Expresado en US$ MM </th>
								<th class="datos tit">2009</th>
								<th class="datos tit">2010</th>
								<th class="datos tit">2011</th>
							</tr>
						</thead>

						<tbody>
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<th colspan="4" align="left" class="tit">CIFRAS DE BALANCE</th>
							</tr>
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>


							<tr>
								<td>Total Activos Netos </td>
								<td>7,947.9</td>
								<td> 9,778.1</td>
								<td>11,067.1</td>
							</tr>

							<tr>
								<td>Colocaciones Brutas</td>
								<td>4,909.4</td>
								<td>5,834.0</td>
								<td>7,147.4</td>
							</tr>

							<tr>
								<td>Provisión para colocaciones </td>
								<td>216.2(1)</td>
								<td>212.5</td>
								<td>247.6</td>
							</tr>

							<tr>
								<td>Colocaciones Netas </td>
								<td>4,597.0</td>
								<td>5,475.4</td>
								<td>6,777.2</td>
							</tr>

							<tr>
								<td>Total Depósitos </td>
								<td>5,919.0</td>
								<td>6,500.6</td>
								<td>7,319.4</td>
							</tr>

							<tr>
								<td>Patrimonio Neto </td>
								<td>1,024.4</td>
								<td>1,227.2</td>
								<td>1,449.5</td>
							</tr>
							
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<th colspan="4" align="left" class="tit">RESULTADOS OPERATIVOS</th>
							</tr>
							
								<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>


							<tr>
								<td>Ingresos Financieros </td>
								<td>655.7</td>
								<td>633.5</td>
								<td>785.1</td>
							</tr>

							<tr>
								<td>Gastos Financieros</td>
								<td>171.0</td>
								<td>129.9</td>
								<td>157.0</td>
							</tr>

							<tr>
								<td>Margen financiero bruto </td>
								<td>484.7</td>
								<td>503.6</td>
								<td>628.1</td>
							</tr>

							<tr>
								<td>Ingresos por servicios financieros netos </td>
								<td>132.3</td>
								<td>143.8</td>
								<td>170.4</td>
							</tr>

							<tr>
								<td>Gastos administrativos </td>
								<td>216.3</td>
								<td>234.8</td>
								<td>301.1</td>
							</tr>

							<tr>
								<td>Provisiones (2) </td>
								<td>136.3</td>
								<td>139.5</td>
								<td>135.8</td>
							</tr>

							<tr>
								<td>Utilidad neta </td>
								<td>220.4</td>
								<td>242.1</td>
								<td>292.5</td>
							</tr>
							
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<th colspan="4" align="left" class="tit">EFICIENCIA OPERATIVA</th>
							</tr>
								<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>


							<tr>
								<td>Margen Financiero Bruto / Patrimonio</td>
								<td>47.3%</td>
								<td>41.0%</td>
								<td>41.9%</td>
							</tr>

							<tr>
								<td>Índice de Productividad (3)</td>
								<td>37.6%</td>
								<td>38.9%</td>
								<td>40.0%</td>
							</tr>

							<tr>
								<td>Rentabilidad sobre Activos Promedio (ROAA)</td>
								<td>2.8%</td>
								<td>2.7%</td>
								<td>2.8%</td>
							</tr>

							<tr>
								<td>Rentabilidad sobre Patrimonio Promedio (ROAE)</td>
								<td>24.3%</td>
								<td>21.5%</td>
								<td>21.5%</td>
							</tr>
							
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<th colspan="4" align="left" class="tit">CALIDAD DE ACTIVOS</th>
							</tr>
							
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>


							<tr>
								<td>Cartera Vencida </td>
								<td>83.2</td>
								<td> 88.0</td>
								<td>105.6</td>
							</tr>

							<tr>
								<td>Cartera deteriorada</td>
								<td>190.4</td>
								<td>181.0</td>
								<td>190.6</td>
							</tr>

							<tr>
								<td>Índice de morosidad </td>
								<td>1.69%</td>
								<td>1.51%</td>
								<td>1.48%</td>
							</tr>

							<tr>
								<td>Índice de cobertura </td>
								<td>260%</td>
								<td>241%</td>
								<td>235%</td>
							</tr>
							
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<th colspan="4" align="left" class="tit"> CAPITALIZACIÓN </th>
							</tr>
							
								<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>


							<tr>
								<td>Cartera Vencida </td>
								<td> 83.2 </td>
								<td>88.0</td>
								<td> 105.6</td>
							</tr>

							<tr>
								<td>Cartera Deteriorada </td>
								<td>190.4</td>
								<td>181.0</td>
								<td>190.6</td>
							</tr>

							<tr>
								<td>índice de Morosidad </td>
								<td>1.69%</td>
								<td>1.51%</td>
								<td>1.48%</td>
							</tr>

							<tr>
								<td>índice de Cobertura</td>
								<td>260%</td>
								<td>241%</td>
								<td>235%</td>
							</tr>
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<th colspan="4" align="left" class="tit">OTROS DATOS</th>
							</tr>
							
							<tr>
								<th colspan="4" align="left" height="10">&#32;</th>
							</tr>

							<tr>
								<td>Número de Empleados</td>
								<td> 3,663 </td>
								<td>3,808</td>
								<td>4,210</td>
							</tr>

							<tr>
								<td>Número de oficinas (4)</td>
								<td> 163</td>
								<td>169</td>
								<td>181</td>
							</tr>

							<tr>
								<td>Número de Clientes Deudores (en miles)</td>
								<td>313 (1)</td>
								<td>311</td>
								<td>341</td>
							</tr>

							<tr>
								<td>Nº ATMs</td>
								<td>334</td>
								<td>386</td>
								<td>506</td>
							</tr>
                            
                            <tr class="line-top">
                                <td>Tipo de Cambio</td>
                                <td>2,890</td>
                                <td>2,809</td>
                                <td>2,696</td>
    
                            </tr>
                        </tbody>
					</table>

					<h2>Tipo de Cambio</h2>
					<p>
						1 En abril 2009 se transfirió a la subsidiaria Crediscotia Financiera una cartera de colocaciones
						de Consumo y Microempresa.
					</p>

					<p>
						2 Incluye provisiones para colocaciones más valuación de activos y provisiones.
					</p>
					<p>
						3 (Gastos Administrativos + Depreciación + Amortización) / Ingresos Totales
					</p>
					<p>
						4 No incluye sucursal de Panamá ni agencia temporal de Asia. Las dos agencias de Banca Patrimonial se reportan como una sola, de acuerdo a creiterio SBS.
					</p>

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